Effective November 13, 2023
PNC Bank and this Application. PNC Bank and its affiliates do not own or operate this Application and are not responsible for any information or services provided by the owner or developer of this Application, your wireless service provider, or any other third parties associated with this Application. We are only responsible for providing information to the provider of this Application in order to allow you to add and use your Card within this Application.
Application. We are not responsible for any failure of or inability to use this Application for any transaction. We are not responsible for the performance or non-performance of the provider of this Application or any other third parties regarding any agreement you enter into with them that impacts your use of this Application.
Card or Underlying Account Terms. The terms and conditions applicable to your Card or the underlying account do not change as a result of adding or using your Card within this Application. This Application is just another way you can use your Card to make purchases of goods and services at locations that accept this Application. This Application may not be accepted at all places where your Card is accepted. Any applicable interest, fees and other charges that apply to your Card or the underlying account will also apply when you use your Card within this Application to make purchases.
Notice regarding arbitration. If the agreement governing your Card and/or the underlying account contains an arbitration provision section that applies to claims arising from your use of your Card, that provision also applies to any disputes between you and PNC Bank arising from your use of your Card within the Application. Please note that any arbitration provision contained in any agreement that applies to your Card and/or underlying account may not apply if we afforded you an opportunity to opt out of the arbitration provision and you or the account owner properly exercised that right in accordance with our instructions or if, under applicable law, such as the Military Lending Act, the provision will not apply. Please refer to the account agreement and/or any other terms or conditions that apply to your Card for details regarding the applicability of an arbitration provision to your Card and/or underlying account.
Eligibility. You are only able to use a Card on an eligible mobile device. An "Eligible Mobile Device" is a mobile device in which the provider of this Application makes it available for use and that has not been modified contrary to the device manufacturer's guidelines, including but not limited to disabling hardware or software controls. If we have indicated that the Card you wish to add to this Application can be added, then for you to use the Card within the Application the Card or the underlying account must also be in good standing and you must not otherwise be restricted from using the Application based on any limitations imposed by the provider of the Application, your wireless service provider, and/or any third party associated with the Application.
Use of Your Card. This Application enables you to use your Card and an Eligible Mobile Device to make purchases of goods and services. When your Card is enrolled in the Application, your Card information is converted to one or more device-only account number(s) and stored on your eligible mobile device. The device-only account number may be used to pay for goods and services at participating merchants that accept this Application. By selecting your Card within the Application and following the instructions provided by provider of the Application, you are authorizing payment from your Card for the purchase of goods or services.
All purchases made using your Card within this Application, including the delivery of such goods and services, returns, and warranties, are solely between you and the applicable merchant. You acknowledge that PNC Bank does not endorse or warrant any merchants that are accessible using this Application and we are not responsible for or liable for any loss or damage as a result of any interaction between you and a merchant.
Lost or Stolen. If your eligible mobile device is lost or stolen, your Application authentication (e.g., fingerprint or similar authentication method, or PIN) is compromised, or if your Card has been used without your permission, you must notify us immediately. If you fail to notify us immediately, you may be liable for part or all of the losses in connection with any unauthorized use of your Card.
Offers. Third parties, such as merchants, may present you certain discounts, rebates, or other benefits within the Application. You acknowledge and agree that PNC Bank does not endorse or warrant any of these offers and we are not responsible for or liable for any loss or damage as a result of your acceptance or use of an offer.
Fees. PNC Bank does not currently impose a fee for using your Card within this Application. However, the provider of this Application and/or your wireless service provider may impose certain charges or other fees for use of the Application.
Consent. You consent to receive electronic communications and disclosures from us in connection with your Card and its use within this Application. You agree that by providing telephone number(s), email addresses, and other contact information to us now or at any later time, you authorize PNC Bank to contact you using such information regarding any of your PNC Bank accounts. You also agree that we may contact you through any mobile device on which you have installed the PNC Mobile Banking application. You consent to PNC Bank using any means to call you at any telephone number(s) provided, including by (i) placing calls using an automated dialing system to a cell, VoIP, or other wireless phone number and (ii) sending prerecorded messages or text messages to those numbers, even if you may be charged for the calls or text messages. You also consent to PNC Bank monitoring or recording any phone call with you; contacting you by email or any other form of electronic communication and/or by fax in accordance with applicable law; and using third parties to contact you by phone, email, other electronic communication or by fax to the same extent as though PNC Bank were making those contacts itself. If at any time you revoke this consent, we may suspend or cancel your ability to use your Card within this Application.
Transaction History. You agree that any transaction history or details displayed in the Application may not report or reflect complete or accurate information about the transaction, or post-transaction actions, such as settlement, currency exchange, reversals, returns or chargebacks. Information in the Application may be provisional or incomplete. In the event of any conflict or discrepancy between the information in the Application and your Card's periodic statement issued by us, our periodic statement will control.
Third Party Agreements and Support. The Application provider, your wireless service provider, and other third parties may have their own terms and conditions and other policies, such as privacy policies, and you are subject to those agreements when you agree to utilize their products and/or services. PNC Bank is not responsible for and does not provide support or assistance with any products or services offered by the provider of this Application, your wireless service provider, or any other third party.
Disclaimer of Warranties. You expressly acknowledge and agree that use of your Card in this Application is at your sole risk and that the entire risk as to satisfactory quality, performance, accuracy, and effort is with you. No oral or written information or advice provided by PNC Bank, its authorized representatives or any third party shall create any express, implied, or statutory warranty with respect to your use of your Card within this Application. PNC Bank will not be liable to you for any circumstances beyond our control that interrupt, prevent, or otherwise affect your use of your Card within this Application, such as unavailability of this Application or your wireless service, communications, network delays, limitations on wireless coverage, system outages, or interruption of a wireless connection. PNC Bank makes no guarantees about the information shown in this Application. PNC Bank is also not responsible for your mobile device or the software or hardware it contains and makes no representations, warranties, or guarantees concerning such matters.
Limitation of Liabilities. Except as otherwise provided by law, in no event will PNC Bank, its direct or indirect subsidiaries, affiliates, shareholders, directors, officers, agents, employees, or representatives be liable for death, personal injury, property damage, or any incidental, special, indirect, punitive, exemplary or consequential damages whatsoever, including, without limitation, damages for loss of profits, loss of or damage to data, business interruption or any other commercial or financial damages, lost revenues, or other losses of any kind, arising out of this Agreement or in any way related to your use or inability to use your Card within this Application, however caused, regardless of the theory of liability (contract, tort, or otherwise) and even if we have been advised of the possibility of such damages. The foregoing limitations will apply even if the above stated remedy fails of its essential purpose.
Governing Law. The provisions of this Agreement will be governed by federal law and, to the extent that state law applies, the laws of the state that apply to your Card or underlying account agreement. If a court decides not to enforce a part of this Agreement, this Agreement will then read as if the unenforceable or invalid part were not there. All provisions in this Agreement are subject to any restrictions under applicable law.
Change in Terms. We may change the terms of this Agreement from time to time and for any reason, except as prohibited by applicable law. If required by applicable law, we will notify you of changes.
Revision Date: 11/13/23